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Storing only BIN part of PAN, does this qualify as a full PAN?Not sure I fully understand the question. First of all, let me clarify that requirement 3.4 is only about persistent storage. If you only store the PAN in RAM, you don't have to comply with 3.4 (truncated or not). If you are storing the PAN on disk, you have to comply with 3.4. One way of doing so is by truncation.